UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES AND EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): September 5, 2008 GREATER ATLANTIC FINANCIAL CORP. -------------------------------- (Exact name of registrant as specified in its charter) DELAWARE (State or other jurisdiction of incorporation) 0-26467 54-1873112 - ------------------------------ ---------- (Commission File Number) (IRS Employer Identification Number) 10700 Parkridge Boulevard, Suite P50 Reston, Virginia 20191 - ----------------------------------------------------- ----- (Address of Principal Executive Offices) (Zip Code) (703) 391-1300 -------------- (Registrant's telephone number, including area code) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ITEM 8.01 OTHER EVENTS. ------------ On September 5, 2008, Greater Atlantic Financial Corp. ("Greater Atlantic"), the holding company for Greater Atlantic Bank (the "Bank'), issued a press release announcing that its shareholders overwhelmingly approved the merger of Greater Atlantic with and into Summit Financial Group, Inc. The press release announcing the approval of the merger agreement is included as Exhibit 99.1 and incorporated herein by reference. ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS. --------------------------------- (a) Financial Statements of Businesses Acquired: Not applicable (b) Pro Forma Financial Information: Not applicable (c) Shell Company Transactions: Not applicable (d) Exhibits Exhibit No. Description ----------- ----------- Exhibit 99.1 Press Release dated September 5, 2008. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. GREATER ATLANTIC FINANCIAL CORP. Date: September 5, 2008 By: /s/ Carroll E. Amos --------------------------------------- Carroll E. Amos President and Chief Executive Officer Date: September 5, 2008 By: /s/ David E. Ritter ---------------------------------------- David E. Ritter Senior Vice President and Chief Financial Officer